Terms of Service

Welcome to Private CFO Club, operated by Gigafactry Innovations Pvt Ltd. These Terms of Service ("Terms") govern your use of our website located at www.privatecfo.com and our financial advisory services (the "Service").

By accessing or using our Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, then you may not access the Service. These Terms apply to all visitors, users, and others who access or use the Service.

We reserve the right to update or modify these Terms at any time without prior notice. Your continued use of the Service after any such changes constitutes your acceptance of the new Terms. We encourage you to review these Terms periodically to stay informed about our rules and policies.

If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have the authority to bind such entity to these Terms, in which case "you" will refer to such entity.

Private CFO Club provides comprehensive financial advisory and consultation services, including but not limited to:

Individual Financial Services:
- Personal financial planning and wealth management
- Investment advisory and portfolio management
- Tax planning and optimization strategies
- Retirement planning and pension advice
- Insurance and risk management consultation
- Estate planning and wealth transfer strategies

Business Financial Services:
- Chief Financial Officer (CFO) services for businesses
- Financial analysis and business planning
- Cash flow management and forecasting
- Financial reporting and compliance
- Merger and acquisition advisory
- Corporate tax planning and structuring

Additional Services:
- Financial education and training programs
- Newsletter subscriptions with market insights
- Online financial calculators and tools
- One-on-one consultation sessions

We provide these services through various channels including in-person meetings, video consultations, phone calls, email correspondence, and our online platform. The specific scope and nature of services will be detailed in separate service agreements or consultation agreements.

To access certain features of our Service, you may be required to create an account. When you create an account with us, you must provide information that is accurate, complete, and current at all times.

Account Security:
You are responsible for safeguarding the password and all activities that occur under your account. You must immediately notify us of any unauthorized use of your account or any other breach of security.

Account Information:
You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete. We reserve the right to suspend or terminate your account if any information provided is inaccurate, outdated, or incomplete.

Account Termination:
We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach the Terms. Upon termination, your right to use the Service will cease immediately.

User Responsibilities:
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must not share your account with others or allow others to access your account.

Important Financial Disclaimer:
The financial advice and recommendations provided by Private CFO Club are for informational and educational purposes only. Our services do not constitute investment advice, legal advice, or tax advice, and should not be relied upon as such.

Investment Risks:
All investments carry risk, including the potential loss of principal. Past performance does not guarantee future results. Market conditions, economic factors, and individual circumstances can significantly impact investment outcomes.

Professional Consultation:
While our advisors are experienced financial professionals, you should always consult with qualified legal, tax, and investment professionals before making any financial decisions. We recommend seeking independent advice tailored to your specific situation.

No Guarantee of Results:
We do not guarantee any specific financial outcomes or returns on investments. Financial markets are inherently unpredictable, and results may vary significantly based on market conditions and individual circumstances.

Regulatory Compliance:
Our services are provided in compliance with applicable Indian financial regulations. However, you are responsible for ensuring that any actions you take based on our advice comply with all applicable laws and regulations in your jurisdiction.

Limitation of Fiduciary Duty:
While we strive to act in your best interests, the nature and extent of our fiduciary duties will be specified in separate advisory agreements. General consultations and educational content do not create a fiduciary relationship.

You agree not to use the Service for any unlawful purpose or in any way that could damage, disable, overburden, or impair our Service. Prohibited activities include, but are not limited to:

Prohibited Content:
- Posting false, misleading, or defamatory information
- Sharing content that violates intellectual property rights
- Uploading malicious software or harmful code
- Distributing spam or unsolicited commercial communications

Prohibited Activities:
- Attempting to gain unauthorized access to our systems
- Interfering with or disrupting the Service or servers
- Using automated systems to access or interact with the Service
- Impersonating others or misrepresenting your identity
- Collecting or harvesting personal information from other users

Professional Conduct:
- Providing false or misleading financial information
- Sharing confidential information inappropriately
- Using our services for illegal financial activities
- Violating applicable securities laws or regulations

Compliance Requirements:
You agree to comply with all applicable laws, regulations, and industry standards when using our Service. This includes but is not limited to financial regulations, data protection laws, and anti-money laundering requirements.

Violation of these terms may result in immediate termination of your access to the Service and potential legal action.

Service Fees:
Our services are provided on a fee-for-service basis. Fees vary depending on the type and scope of services requested. All fees will be clearly communicated before service delivery begins.

Payment Methods:
We accept various payment methods including bank transfers, online payments, and other methods as specified on our platform. Payment terms will be outlined in your service agreement.

Billing and Invoicing:
- Invoices will be sent electronically unless otherwise requested
- Payment is typically due within 30 days of invoice date
- Late payment may result in suspension of services
- Outstanding balances may incur interest charges as permitted by law

Refund Policy:
Refunds are handled on a case-by-case basis and depend on the nature of services provided. Generally:
- Consultation services are non-refundable once provided
- Subscription services may be refunded on a pro-rata basis
- Cancellations must be made in writing with appropriate notice

Price Changes:
We reserve the right to modify our pricing structure with reasonable notice. Existing service agreements will honor the original pricing terms unless mutually agreed otherwise.

Taxes:
All fees are exclusive of applicable taxes unless otherwise stated. You are responsible for paying all applicable taxes related to your use of our services.

Ownership:
All content, materials, trademarks, logos, software, and intellectual property on the Private CFO Club platform are owned by Gigafactry Innovations Pvt Ltd or its licensors.

Permitted Use:
You may use the Service and its content solely for your personal or business use in accordance with these Terms. Any unauthorized use, reproduction, distribution, or modification of our content is strictly prohibited.

Restrictions:

• You may not copy, reproduce, republish, upload, post, transmit, or distribute any material from our platform without prior written consent.
• You may not reverse engineer, decompile, or disassemble any software or technology provided by Private CFO Club.
• All trademarks, service marks, and logos are the property of their respective owners and may not be used without permission.

User Content:
By submitting any content (such as feedback, testimonials, or suggestions) to Private CFO Club, you grant us a non-exclusive, worldwide, royalty-free license to use, reproduce, modify, and display such content for business and promotional purposes.

Copyright Infringement:
If you believe your intellectual property rights have been infringed, please contact us immediately with details so we can investigate and take appropriate action.

Confidentiality: We treat all client information as strictly confidential. We will not disclose your personal, financial, or business information to third parties except as required by law or with your explicit consent.

Data Protection: We comply with applicable data protection laws and use industry-standard security measures to safeguard your data. You have the right to access, correct, or request deletion of your personal data. For more details, see our Privacy Policy.

Data Storage: Your data may be stored on secure servers within India or internationally, subject to legal requirements and our internal policies.

Third-Party Services: Our platform may contain links to third-party websites, tools, or services. We do not control or endorse these third parties and are not responsible for their content, privacy practices, or service quality.

External Links: Use of third-party links is at your own risk. We recommend reviewing the terms and privacy policies of any third-party sites you visit.

Third-Party Integrations: Some services may be delivered in partnership with third-party providers. We will disclose such relationships and ensure that your data is handled securely.

No Warranty: Our services are provided "as is" and "as available" without warranties of any kind, either express or implied.

Limitation: To the maximum extent permitted by law, Private CFO Club and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from your use of our services.

Maximum Liability: Our total liability for any claim arising out of or relating to these Terms or our services will not exceed the amount paid by you for the specific service giving rise to the claim.

You agree to indemnify, defend, and hold harmless Private CFO Club, its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with your use of the Service, violation of these Terms, or infringement of any rights of another party.

Termination by Us: We may terminate or suspend your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Termination by You: You may terminate your account at any time by contacting us. Upon termination, your right to use the Service will cease immediately.

Effect of Termination: All provisions of these Terms which by their nature should survive termination shall survive, including confidentiality, intellectual property, and limitation of liability.

These Terms are governed by and construed in accordance with the laws of India. Any disputes arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts located in Noida, Uttar Pradesh, India.

Amicable Resolution: We strive to resolve all disputes amicably through direct communication.

Formal Dispute Resolution: If a dispute cannot be resolved informally, it shall be settled by binding arbitration in accordance with the Arbitration and Conciliation Act, 1996, in Noida, Uttar Pradesh, India.

Waiver of Class Actions: You agree to resolve disputes with us on an individual basis and not as part of any class or representative action.

Entire Agreement: These Terms constitute the entire agreement between you and Private CFO Club regarding your use of the Service.

Severability: If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in full force and effect.

No Waiver: Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision.

Assignment: You may not assign your rights or obligations under these Terms without our prior written consent. We may assign these Terms at any time.